Search found 1362 matches

by 7eight9
Sat Sep 19, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Are deleted videos on Iphone really deleted?
Replies: 7
Views: 824

Re: Are deleted videos on Iphone really deleted?

I would look to Cellebrite for any recovery issues with Apple phones. :happy
by 7eight9
Sat Sep 19, 2020 10:54 am
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 106
Views: 6313

Re: Losing Money with Index Funds

I am curious, what was the biggest amount of money you ever lost with investing in index funds? And how did you get through it? :shock: Don't sell at a loss and you'll never lose money 😉 When you say this, do you mean never sell during a recession? This is a false statement based in a cognitive err...
by 7eight9
Sat Sep 19, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 81
Views: 5074

Re: Ring for a new girlfriend

If she smokes a nice lighter would be an excellent present - one that she would use every day.

Cartier lighters --- https://www.cartier.com/en-us/collectio ... hters.html
by 7eight9
Fri Sep 18, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 81
Views: 5074

Re: Ring for a new girlfriend

From all the brands mentioned here I heard about tiffany and cartier before. I checked all the links and WOW - most of the rings from tiffany looks like from another planet in comparison with others. Rare example when the brand matters :sharebeer There is always Van Cleef & Arpels is you want real ...
by 7eight9
Fri Sep 18, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 81
Views: 5074

Re: Ring for a new girlfriend

I started to date a new girlfriend (mid 30s) in the beginning of the year. Looking to buy her a nice looking ring (it's not for engagement/wedding) but I have 0 clue what brands are popular now. Do people shop online for such stuff nowadays? Budget wise $1000-1500 I guess :annoyed Can’t go wrong wi...
by 7eight9
Fri Sep 18, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Pretending to enjoy sports for business/social reasons
Replies: 83
Views: 4588

Re: Pretending to enjoy sports for business/social reasons

Sheldon Cooper : I grew up in Texas. Football is ubiquitous in Texas. Pro football, college football, high school football, Pee-Wee football; in fact, every form of football except the original: European football, which most Texans believe to be a commie plot. Leonard Hofstadter : Unbelievable. She...
by 7eight9
Fri Sep 18, 2020 9:24 am
Forum: Personal Investments
Topic: MYGA vs CD - what would you choose?
Replies: 13
Views: 1408

Re: MYGA vs CD - what would you choose?

Another vote for the MYGA. To me they represent some of the best low-risk fixed income investments at the present time.
by 7eight9
Thu Sep 17, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20070
Views: 2745229

Re: U.S. stocks in free fall

Still no idea where the money is going except into cash. My TLT shares are nearly flat today despite the market sell-off and have been flat since the drop began 3 weeks ago. To think of the risk with cash - a guarantee of no return. I am more concerned with the return of my money than the return on...
by 7eight9
Wed Sep 16, 2020 8:27 pm
Forum: Personal Investments
Topic: With interest rates near zero whats advice on CD ?
Replies: 10
Views: 1452

Re: With interest rates near zero whats advice on CD ?

What kinds of fees exist for MYGAs and what happens if you want to sell it? The quoted interest rate is what you will receive. Any and all fees are already baked into it. There are significant surrender charges which is why someone investing in MYGAs should only be doing so with funds that they are...
by 7eight9
Wed Sep 16, 2020 8:14 pm
Forum: Personal Investments
Topic: With interest rates near zero whats advice on CD ?
Replies: 10
Views: 1452

Re: With interest rates near zero whats advice on CD ?

Depending on your age and need for liquidity you might want to consider Multi-Year Guarantee Annuities. Multi-Year Guarantee Annuities (MYGAs) are also called fixed-rate annuities and are a specific annuity product type that functions similarly to a CD (Certificate of Deposit). https://www.stanthean...
by 7eight9
Wed Sep 16, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Tiffany Quality
Replies: 35
Views: 2611

Re: Tiffany Quality

Baccarat would be a good option if looking for glass.

https://us.baccarat.com/
by 7eight9
Tue Sep 15, 2020 8:29 pm
Forum: Personal Consumer Issues
Topic: Tiffany Quality
Replies: 35
Views: 2611

Re: Tiffany Quality

by 7eight9
Sat Sep 12, 2020 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Which Other Insurance Companies To Get Quotes From?
Replies: 11
Views: 713

Re: Which Other Insurance Companies To Get Quotes From?

I would suggest letting an insurance broker shop your policies.

If you don't want to go that route then you could try State Farm, The Hartford, American Family, Travelers, Nationwide and Allstate to name a few large companies.
by 7eight9
Sat Sep 12, 2020 4:09 pm
Forum: Personal Investments
Topic: Best option to protect my medium spending needs
Replies: 6
Views: 550

Re: Best option to protect my medium spending needs

You might want to consider a Multi-Year Guarantee Annuity (MYGA) ladder.

Here is a recent post which discussed same --- viewtopic.php?p=5490729#p5490729
by 7eight9
Fri Sep 11, 2020 3:34 pm
Forum: Investing - Theory, News & General
Topic: What is going on with Vanguard International REIT / Real Estate Fund
Replies: 19
Views: 1820

Re: What is going on with Vanguard International REIT / Real Estate Fund

It looks like VNQI has missed dividends quite a few times. 12/18/19 3.647 09/24/19 0.423 06/17/19 0.406 xxx 12/24/18 1.373 09/26/18 0.247 06/28/18 0.727 03/26/18 0.076 12/19/17 1.883 09/27/17 0.176 06/28/17 0.278 xxx 12/20/16 1.631 09/13/16 0.379 06/14/16 0.481 03/15/16 0.078 12/21/15 0.803 09/25/15...
by 7eight9
Thu Sep 10, 2020 8:19 pm
Forum: Personal Investments
Topic: Where to invest fixed income?
Replies: 26
Views: 3214

Re: Where to invest fixed income?

You might want to consider other fixed income products in addition to your bonds. Multi-Year Guarantee Annuities (MYGAs) are also called fixed-rate annuities and are a specific annuity product type that functions similarly to a CD (Certificate of Deposit). https://www.stantheannuityman.com/myga-rate...
by 7eight9
Thu Sep 10, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 42
Views: 3401

Re: Tesla Full Self Driving Option

Autonomous #Tesla runs over 8 people in #Sichuan, #China, killing 3, leaving #Shuangfu street with mangled bodies $TSLA $TSLAQ Quote Tweet https://twitter.com/hashtag/Shuangfu?src=hash $TSLA is a famous short and hates Telsa because he has lost so much money shorting Tesla. There is nothing in the ...
by 7eight9
Thu Sep 10, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 42
Views: 3401

Re: Tesla Full Self Driving Option

Tesla's 'Full Self-Driving Capability' Falls Short of Its Name The features might be cutting edge, even cool, but we think buyers should be wary of shelling out $8,000 for what electric car company Tesla calls its Full Self-Driving Capability option. Tesla claims every new vehicle it builds include...
by 7eight9
Thu Sep 10, 2020 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 11456

Re: Should we buy a $3M+ house with parental help?

Absolutely yes. You have the opportunity to buy a $3M home for 33-50% off. Think about that for a second. 33-50% off. Why wouldn't you?
by 7eight9
Thu Sep 10, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 4738

Re: How to stop judging how other people spend/invest

I think there is some saying about don't judge if you don't want to be judged. Seems like pretty good advice.
by 7eight9
Thu Sep 10, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6445

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

One of my friends from high school went into the insurance business. My parents let him pitch to them for practice. Seemed a decent thing to do. In your situation I would mind my own business. Presumably everyone your friend is calling on is an adult who is capable of making their own decisions. As ...
by 7eight9
Thu Sep 10, 2020 12:49 pm
Forum: Personal Investments
Topic: Callable Note - 4%, 20 years.
Replies: 7
Views: 583

Re: Callable Note - 4%, 20 years.

Maybe consider Jefferies Group LLC STEP 06/25/2040 Callable (47233JDK1) YTM 4.625 YTW 3.741 First Call 06/25/2030 Your note "...will not be listed on any securities exchange and secondary trading may be limited." https://www.sec.gov/Archives/edgar/data/1084580/000114036120019796/brhc10014894_424b2.h...
by 7eight9
Wed Sep 09, 2020 9:42 pm
Forum: Personal Investments
Topic: Immediate Annuity Satisfaction or Regrets?
Replies: 66
Views: 4339

Re: Immediate Annuity Satisfaction or Regrets?

I keep seeing that these payments are guaranteed. Are they backed by the full faith and credit of the USG? If not, then they cannot be considered to be risk free. The issuing entity has to be there to make the pay out. I prefer to make my own annuity by purchasing SPYD on the open market which curr...
by 7eight9
Wed Sep 09, 2020 1:57 pm
Forum: Personal Investments
Topic: Immediate Annuity Satisfaction or Regrets?
Replies: 66
Views: 4339

Re: Immediate Annuity Satisfaction or Regrets?

I'm actually looking forward to when we can buy an annuity and "set it and forget it". Setting it and forgetting it represents freedom. My wife and I never signed up to be financial planners. A pension would have been preferable. But lacking that a SPIA affords the opportunity to "buy a pension". An...
by 7eight9
Tue Sep 08, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 3675

Re: Buying Fine Art - advice needed.....

If you don’t know jewelry, know your jeweler.

Respectfully, you know neither.

adamthesmythe makes a good points regarding the art world. Even $400MM paintings can't be attributed to their purported artist with certainty.
by 7eight9
Sat Sep 05, 2020 7:23 pm
Forum: Personal Investments
Topic: How do I protect my investments moving forward?
Replies: 17
Views: 2124

Re: What do I do with my money market fund money?

You might want to consider a multi-year guaranteed annuity (MYGA) for part of your fixed income allocation. Their yield is much higher than a money market fund. Example --- Fixed Annuity Rates for September 2020 ---https://www.blueprintincome.com/fixed-annuities Five year rates as high as 3.45% per...
by 7eight9
Sat Sep 05, 2020 7:15 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 42
Views: 3401

Re: Tesla Full Self Driving Option

Autonomous #Tesla runs over 8 people in #Sichuan, #China, killing 3, leaving #Shuangfu street with mangled bodies $TSLA $TSLAQ
Quote Tweet

https://twitter.com/hashtag/Shuangfu?src=hash
by 7eight9
Sat Sep 05, 2020 5:52 pm
Forum: Personal Consumer Issues
Topic: Did your car insurance premium drop recently?
Replies: 37
Views: 2075

Re: Did your car insurance premium drop recently?

Geico rebated us 15% of our premium earlier this year.

COVID-19: GEICO is Here to Help --- https://www.geico.com/about/coronavirus/
by 7eight9
Sat Sep 05, 2020 5:43 pm
Forum: Investing - Theory, News & General
Topic: Early withdrawing CDs...problems or hidden expenses?
Replies: 10
Views: 604

Re: Early withdrawing CDs...problems or hidden expenses?

If you can take advantage of them I would give consideration to multi-year guaranteed annuites (MYGAs). Explanation of MYGAs --- https://www.blueprintincome.com/resources/fixed-annuities/ Example --- Fixed Annuity Rates for September 2020 ---https://www.blueprintincome.com/fixed-annuities Two and f...
by 7eight9
Sat Sep 05, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on condos?
Replies: 65
Views: 5560

Re: Thoughts on condos?

Rent isn't throwing money away. It is saving you taxes, fees and maintenance. If you want to own more quickly, consider getting a roommate or otherwise getting creative with housing. Agreed. A lot of the time owning means throwing away a lot more money. The NYT rent vs buy calculator is a huge help...
by 7eight9
Sat Sep 05, 2020 4:49 pm
Forum: Personal Investments
Topic: How do I protect my investments moving forward?
Replies: 17
Views: 2124

Re: What do I do with my money market fund money?

You might want to consider a multi-year guaranteed annuity (MYGA) for part of your fixed income allocation. Their yield is much higher than a money market fund. Example --- Fixed Annuity Rates for September 2020 ---https://www.blueprintincome.com/fixed-annuities Five year rates as high as 3.45% per ...
by 7eight9
Sat Sep 05, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: A tip: Property tax payment by Credit Card
Replies: 10
Views: 2334

Re: A tip: Property tax payment by Credit Card

That is an excellent tip. Regretfully Clark County (Nevada) is still imposing a 2.19% service fee. :(
by 7eight9
Sat Sep 05, 2020 3:19 pm
Forum: Investing - Theory, News & General
Topic: Early withdrawing CDs...problems or hidden expenses?
Replies: 10
Views: 604

Re: Early withdrawing CDs...problems or hidden expenses?

This poster is talking about early withdrawing CDs, so MYGAs (with their exorbitant surrender penalties) probably don't make any sense They do make sense unless the poster is planning on breaking all of the them within the time frame. Money that won't be withdrawn (except in case of the direst of e...
by 7eight9
Sat Sep 05, 2020 11:34 am
Forum: Investing - Theory, News & General
Topic: Early withdrawing CDs...problems or hidden expenses?
Replies: 10
Views: 604

Re: Early withdrawing CDs...problems or hidden expenses?

If you can take advantage of them I would give consideration to multi-year guaranteed annuites (MYGAs). Explanation of MYGAs --- https://www.blueprintincome.com/resources/fixed-annuities/ Example --- Fixed Annuity Rates for September 2020 ---https://www.blueprintincome.com/fixed-annuities Two and fi...
by 7eight9
Fri Sep 04, 2020 7:55 pm
Forum: Investing - Theory, News & General
Topic: Assessing your investment behavior during the pandemic
Replies: 35
Views: 2148

Re: Assessing your investment behavior during the pandemic

I need to post what we got wrong first. We went to cash in all accounts basically near the bottom. As stocks recovered, we bought back in and have recovered everything, so I guess that is what we did right. To be honest, I have no idea what our risk tolerance is. We are currently 48 stocks 52 fixed...
by 7eight9
Fri Sep 04, 2020 6:29 pm
Forum: Personal Investments
Topic: inverse panic - aggressively buying dips
Replies: 11
Views: 1307

Re: inverse panic - aggressively buying dips

How do you know what we are currently experiencing is a dip and not the beginning of something similar to the Nikkei circa December 1989 for example? :happy
by 7eight9
Fri Sep 04, 2020 5:25 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27521

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

This probably won't be welcome news for Tesla holders. Tesla Didn’t Join the S&P 500, but Three Others Did https://www.barrons.com/articles/tesla-didnt-join-the-s-p-500-but-three-others-did-51599255574 Do you know thw criteria of which companies get in and booted out ? Why wasn't tesla pikced ? Bec...
by 7eight9
Fri Sep 04, 2020 4:56 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27521

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

This probably won't be welcome news for Tesla holders.

Tesla Didn’t Join the S&P 500, but Three Others Did
https://www.barrons.com/articles/tesla- ... 1599255574
by 7eight9
Fri Sep 04, 2020 3:11 pm
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 76
Views: 11482

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

It depends on your timeframe for the cash. If you can take advantage of them I would give consideration to a multi-year guaranteed annuity (MYGA). Explanation of MYGAs --- https://www.blueprintincome.com/resources/fixed-annuities/ Example --- Fixed Annuity Rates for September 2020 ---https://www.blu...
by 7eight9
Fri Sep 04, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: SoftBank partially responsible for tech stock rally in recent weeks?
Replies: 51
Views: 5782

Re: SoftBank partially responsible for tech stock rally in recent weeks?

Zerohedge had an article about it yesterday --- SoftBank Identified As Mystery Marketwide Call Buyer
https://www.zerohedge.com/markets/specu ... call-buyer
by 7eight9
Thu Sep 03, 2020 6:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20070
Views: 2745229

Re: U.S. stocks in free fall

lostdog wrote: Thu Sep 03, 2020 6:06 pm After hours still down.
Tomorrow should be interesting. Time to see who wants to be long over a 3 day weekend. :happy
by 7eight9
Thu Sep 03, 2020 6:02 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27521

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

As if today's action (down 9.02%) wasn't bad enough extended hours now showing Bid: 384.95 Ask: 385.40 (down another 5%+).
by 7eight9
Thu Sep 03, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Selling SPY options, gains seem too good? Do I misundertand
Replies: 23
Views: 1681

Re: Selling SPY options, gains seem too good? Do I misundertand

Are you sure you are looking at a put option and not a call option?
by 7eight9
Thu Sep 03, 2020 4:29 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27521

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

In case anybody is wondering ... Dad held and plans to sell if it hits 400. He's lost 185k over a 3 day span. But is still up like 215k on the stock. We shall see what happens.... He really didn’t loose 185k because he didn’t sell. And he really didn’t gain. I lost 31k of yesterday VGT value but I ...
by 7eight9
Thu Sep 03, 2020 4:23 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27521

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

sjl333 wrote: Thu Sep 03, 2020 4:16 pm In case anybody is wondering ... Dad held and plans to sell if it hits 400. He's lost 185k over a 3 day span. But is still up like 215k on the stock. We shall see what happens....
Under $400.00 bid after hours. I'm seeing 399.00 bid currently ($399.25 ask).
by 7eight9
Thu Sep 03, 2020 3:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20070
Views: 2745229

Re: U.S. stocks in free fall

History doesn't repeat itself but it often rhymes. Today in history: September 3rd marked the top in 1929 following a furious rally fueled by wild optimism, excessive retail speculative behavior and markets disconnecting far above the fundamentals of the economy. https://www.trendsmap.com/twitter/tw...
by 7eight9
Thu Sep 03, 2020 2:39 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27521

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

Tough month so far for TSLA. With today's general selloff, it's down about 18% since August 31 as I write this. I can't tell if it's intended to be tongue in cheek, but calling anything a tough month on the morning of the 3rd is kind of funny, esp considering it's up 30% over the last month (30 day...